What FICO model does CAPITAL ONE pull ??

[Anonymous]

what card do you need?

[Anonymous]

Need? Well I'm looking for a good travel or cash back rewards card.

[Anonymous]

what kind of travel do you do? and what cards do you currently have? (on mobile so can't see your signature)

[Anonymous]

Here's my cards

Barclay Apple Visa - $3,000 CL
Western FCU Cash VISA - $3,000 CL
Care Credit - $3,000 CL
Credit One - $600 CL
Fingerhut - $250 CL (lol)
Capital One QS1 x 2 - $500 CL each

[Anonymous]

first thing is first, ditch that credit one garbage and then try to combine your two QS1's into one card (combine the newest to the oldest) and ask to PC it into a regular QS so you can avoid the annual fees. save yourself $167 a year just with that.

[Anonymous]

and not to go too basic but it's better to know what you have to determine what you need. you have a good general spend card (cap1) that gets 1.5% with no caps or categories.
and that's it. the others aren't good for regular spend.

again, what travel do you do?

[Anonymous]

I travel back to NY from LA 3-4x yearly. Also to cancun time share a lot ! Lol. Cap one won't combine cards until I hit 6 months I'm at 4

[Anonymous]

then wait it out. no need to app for another

well i will be honest and proclaim my lack of knowledge with travel cards. idk which one is better for local flights and i refuse to steer you in the wrong direction. many people will, but it's not in me to do that.

as for cash back you're very limited, but again, idk how important cash back is to you. and as stated on a recent post by KDM about spreading yourself too thin, if you want to maximize on travel then don't waste your time with cash back cards unless you have high spend. for example i only spend around $1,000 a month on credit so most annual fee cards (not all travel cards have annual fees) don't make sense in my budget.

unfortunately, picking the right cards is a VERY hard decision that requires you to make sound and informed decisions. i can look at what you have and name 2-3 "spur of the moment" cards you apped for

[Anonymous]

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@Anonymous wrote:
Do you know if they did FICO 8 on that

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Im not sure. I havent recieved anything telling me which scoring system they used. Im just assuming Fico 8. but maybe they have their own inhouse scoring system. The QS&Venture says for Excellent credit. I dont have Excellent credit so they are obviously rating my credit higher than what my Fico is(660). I know CapOne credit tracker says my score is 701.

[Anonymous]

Some people above stated Cap1 pulls FICO 4, but in my experience they actually used FICO 5 specifically.